How Reserve Works
From application to funding in 48 hours. No income checks. No credit scores. Just Bitcoin.
The Loan Lifecycle
Get a Quote
Use our loan calculator to see exactly what you'd receive, what you'd owe, and what it costs. No account needed. No commitment. Adjust the numbers until they work for you.
Apply & Verify
Create an account and complete identity verification. Standard KYC - government ID and proof of address. Most verifications complete within a few hours.
Deposit Collateral
Send Bitcoin to your dedicated, segregated custody address. Your collateral is held separately from all other assets and is never lent out or leveraged. Once confirmed on-chain, we proceed to funding.
Receive Funds
USD or GBP sent directly to your bank account. Target: same-day funding after collateral confirmation. No intermediaries, no delays.
Live Monitoring
Track your loan, collateral value, and LTV ratio in real-time through your dashboard. We monitor 24/7 and will notify you immediately if your LTV approaches the margin call threshold.
Repay & Reclaim
Repay your principal plus interest at any time - no penalty for early repayment. Once settled, your Bitcoin is returned to you in full. The loan is closed.
Collateral Management
Your Bitcoin is protected by clear, transparent rules. No surprises.
Bitcoin is volatile. We've designed our loan structure to absorb significant price drops while giving you every opportunity to protect your position.
At 65% LTV - Early Warning. We notify you that your collateral ratio is thinning. No action required, but you may want to prepare a top-up.
At 70% LTV - Margin Call. You have 72 hours to deposit additional Bitcoin or make a partial repayment to bring your LTV below the threshold. We send notifications via email and SMS.
At 80% LTV - Liquidation. If no action is taken, the collateral is liquidated to repay the lender. This is a last resort - we give you every opportunity to avoid it.
You always have the option to top up collateral or repay early to prevent liquidation. Most borrowers never reach a margin call.
Your Options, Compared
| Sell Your Bitcoin | Bank Loan | Reserve | |
|---|---|---|---|
| Keep your BTC | No - permanently exit your position | N/A - banks don't accept BTC | Yes - full exposure maintained |
| Tax impact | Capital gains tax triggered (up to 20%) | None | None - borrowing is not a taxable event |
| Speed | Instant (but irreversible) | Weeks to months | 48 hours |
| Income required | No | Yes - proof of income, credit check | No - collateral-based only |
| Future upside | Lost permanently | N/A | Fully retained |
| Cost on $250K | ~$50K+ in CGT | Variable, if approved | $22,500 (9% effective) |